央行正研究个人信用救济政策！这类违约将不在征信中展示

Core Viewpoint - The People's Bank of China is researching and implementing policies to support individuals in repairing their credit records, particularly those affected by the COVID-19 pandemic [1] Group 1: Credit System and Its Importance - The credit system operated by the People's Bank of China is a crucial financial infrastructure that records financial defaults by individuals and businesses, aiding financial institutions in risk assessment and business operations [1] - Over the past 20 years, this system has played a significant role in building the social credit system and preventing financial risks in China [1] Group 2: Impact of COVID-19 on Individuals - Due to the COVID-19 pandemic and other uncontrollable factors, some individuals have experienced debt defaults, which continue to affect their economic lives even after full repayment of the debts [1] - The existing regulation states that default records remain in the credit system for a duration of five years [1] Group 3: Proposed Credit Relief Policy - To assist individuals in expediting the repair of their credit records, the People's Bank of China is planning a one-time personal credit relief policy [1] - This policy will exclude from the credit system the default information of individuals who have defaulted on loans below a certain amount and have since repaid them, thereby enhancing the effectiveness of default records [1] - The implementation of this measure is expected to occur early next year, following necessary procedural and technical preparations by the People's Bank of China and financial institutions [1]